Cheap Quotes for Banner Elk, NC Car Insurance (2021)

Banner Elk, North Carolina car insurance rates average $257 a month and North Carolina law requires coverage of at least 30/60/25. By comparing rates from multiple Banner Elk, NC companies, you can find cheap Banner Elk car insurance quotes to fit your needs and budget.

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Tonya Sisler has a Bachelor’s Degree from the University of South Carolina in Journalism and has worked for 15+ years in management. She has also completed a proofreading certification and is currently a professional writer.

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Brad Larson has been in the insurance industry for more than a dozen years. He started out as a claims adjuster for a national carrier. He has since switched to the agency side of the business. Brad is licensed in all P&C lines.

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Reviewed by Brad Larsen
Licensed Auto Insurance Agent Brad Larsen

UPDATED: Apr 15, 2022

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Things to Know

  • Average car insurance rates in Banner Elk, NC after a DUI are $5,823/year
  • Average car insurance rates in Banner Elk, NC for senior drivers are $2,327/year
  • Average car insurance rates in Banner Elk, NC are $257/month

How do the Banner Elk, North Carolina monthly average car insurance rates of $257/month compare to nearby cities like Raleigh car insurance rates, Winston-Salem car insurance rates, and Fayetteville car insurance rates? Here you can review all of the factors that contribute to the cost of car insurance in Banner Elk, NC.

We’ll cover the North Carolina minimum coverage requirements, North Carolina car insurance laws, and Banner Elk, NC statistics that affect your monthly rate. You can even compare car insurance quotes from multiple Banner Elk, North Carolina companies to find the most affordable Banner Elk car insurance rates.

Enter your ZIP code above to find cheap Banner Elk, NC car insurance quotes today.

What are the minimum Banner Elk, NC car insurance requirements?

To meet North Carolina minimum car insurance coverage requirements, Banner Elk, NC drivers need to carry at least 30/60/25 coverage.

Minimum Required Car Insurance Coverage in Banner Elk, North Carolina

Liability Insurance Required Minimum Coverage Limits Required
Bodily Injury Liability Coverage $30,000 per person
$60,000 per accident
Property Damage Liability Coverage $25,000 minimum

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How do age, gender, and marital status affect Banner Elk, NC car insurance rates?

Three of the criteria that most affect car insurance rates in Banner Elk, North Carolina are age, gender, and marital status. Let’s take a look at how each of these stack up with top Banner Elk car insurance companies.

Annual Car Insurance Rates by Age, Gender, and Marital Status in Banner Elk, North Carolina

Insurance Company Married 35-Year-Old Female Married 35-Year-Old Male Married 60-Year-Old Female Married 60-Year-Old Male Single 17-Year-Old Female Single 17-Year-Old Male Single 25-Year-Old Female Single 25-Year-Old Male
Allstate $5,062 $5,062 $4,157 $4,157 $12,125 $12,125 $5,162 $5,162
GEICO $2,385 $2,339 $2,340 $2,297 $4,309 $4,272 $2,083 $2,071
Liberty Mutual $1,652 $1,652 $1,711 $1,711 $2,886 $2,886 $1,652 $1,652
Nationwide $2,223 $2,223 $2,223 $2,223 $3,725 $3,725 $2,223 $2,223
Progressive $1,628 $1,628 $1,472 $1,472 $3,755 $3,755 $1,812 $1,812
State Farm $2,296 $2,296 $1,985 $1,985 $3,376 $3,376 $2,838 $2,838
Travelers $2,444 $2,444 $2,424 $2,424 $4,108 $4,108 $2,509 $2,509

How much do teen drivers pay for car insurance in Banner Elk, NC?

Banner Elk, North Carolina car insurance rates for teens are often higher than rates for other drivers. Compare Banner Elk car insurance rates from multiple Banner Elk, North Carolina car insurance companies to get the best deal.

Annual Car Insurance Rates for Teen Drivers in Banner Elk, North Carolina

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $12,125 $12,125
GEICO $4,309 $4,272
Liberty Mutual $2,886 $2,886
Nationwide $3,725 $3,725
Progressive $3,755 $3,755
State Farm $3,376 $3,376
Travelers $4,108 $4,108

How much do senior drivers pay for car insurance in Banner Elk, NC?

With a little research, seniors can find affordable car insurance in Banner Elk, North Carolina. Here’s a look at how the top Banner Elk car insurance companies stack up.

Annual Car Insurance Rates for Senior Drivers in Banner Elk, North Carolina

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $4,157 $4,157
GEICO $2,340 $2,297
Liberty Mutual $1,711 $1,711
Nationwide $2,223 $2,223
Progressive $1,472 $1,472
State Farm $1,985 $1,985
Travelers $2,424 $2,424

How does coverage level affect Banner Elk, NC car insurance rates?

How much coverage do you need? Are you comfortable with the North Carolina minimum of 30/60/25 or do you need more? Keep in mind that the higher level of coverage you have, the higher your Banner Elk, NC car insurance rates will be. Let’s take a look.

Annual Car Insurance Rates by Coverage Level in Banner Elk, North Carolina

Insurance Company Low Medium High
Allstate $6,427 $6,605 $6,847
GEICO $2,651 $2,753 $2,882
Liberty Mutual $1,891 $1,964 $2,071
Nationwide $2,505 $2,587 $2,703
Progressive $2,071 $2,155 $2,275
State Farm $2,540 $2,612 $2,719
Travelers $2,765 $2,858 $2,991

How does your driving record affect Banner Elk, NC car insurance rates?

Safe driving pays off. The more traffic violations you have in Banner Elk, NC, the higher your car insurance rates will be. Compare rates based on driving infractions from top Banner Elk, North Carolina companies.

Annual Banner Elk, North Carolina Car Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $3,588 $6,305 $11,759 $4,854
GEICO $1,513 $2,216 $5,265 $2,053
Liberty Mutual $1,174 $1,509 $3,708 $1,509
Nationwide $1,524 $1,974 $4,922 $1,974
Progressive $1,016 $1,487 $4,726 $1,438
State Farm $1,406 $2,022 $5,046 $2,022
Travelers $1,706 $2,238 $5,336 $2,205

How does a DUI affect Banner Elk, NC car insurance rates?

With even one DUI on your record, you can see an increase in your Banner Elk, NC car insurance rates.

Annual Car Insurance Rates After a DUI in Banner Elk, North Carolina

Insurance Company Annual Car Insurance Rates With a DUI
Allstate $11,759
GEICO $5,265
Liberty Mutual $3,708
Nationwide $4,922
Progressive $4,726
State Farm $5,046
Travelers $5,336

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How does your credit history affect Banner Elk, NC car insurance rates?

Take a look at the data here to see how your Banner Elk, North Carolina car insurance rates are affected by your credit history.

Annual Car Insurance Rates by Credit Score in Banner Elk, North Carolina

Insurance Company Poor Fair Good
Allstate $8,977 $5,823 $5,079
GEICO $2,997 $2,747 $2,542
Liberty Mutual $1,975 $1,975 $1,975
Nationwide $2,598 $2,598 $2,598
Progressive $2,451 $2,113 $1,936
State Farm $3,687 $2,355 $1,829
Travelers $3,065 $2,790 $2,759

How does your commute affect Banner Elk, NC car insurance rates?

Banner Elk, NC car insurance requirements are the minimum insurance requirements for the entire state. The required car insurance for North Carolina can be seen here. Remember, though, that you may have to carry substantially more car insurance in Banner Elk if you’re financing.

Annual Car Insurance Rates by Commute Length in Banner Elk, North Carolina

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $6,626 $6,626
GEICO $2,762 $2,762
Liberty Mutual $1,975 $1,975
Nationwide $2,598 $2,598
Progressive $2,167 $2,167
State Farm $2,610 $2,638
Travelers $2,871 $2,871

Who has the cheapest Banner Elk, NC car insurance rates?

Here’s a breakdown of Banner Elk, North Carolina car insurance rates by company. You can see which company offers the cheapest Banner Elk car insurance rates in each category.

Best Annual Car Insurance Rates by Company in Banner Elk, North Carolina

Category Insurance Company
Teenagers Liberty Mutual
Seniors Progressive
Clean Record Progressive
With 1 Accident Progressive
With 1 DUI Liberty Mutual
With 1 Speeding Violation Progressive

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What are the top Banner Elk, NC car insurance companies?

Which Banner Elk, North Carolina car insurance company will best fit your needs and budget? Check out this comparison of the top Banner Elk companies to find the one for you.

Average Annual Car Insurance Rates by Company in Banner Elk, North Carolina

Insurance Company Average Annual Rates
Allstate $6,626
GEICO $2,762
Liberty Mutual $1,975
Nationwide $2,598
Progressive $2,167
State Farm $2,624
Travelers $2,871

What factors affect Banner Elk, NC car insurance rates?

Why are Banner Elk, North Carolina car insurance rates different than rates in Raleigh or Winston-Salem? Other than those we’ve already mentioned, there are additional statistics that affect car insurance rates. Let’s take a look.

How long is the average commute in Banner Elk, NC?

More time spent behind the wheel can lead to higher Banner Elk, North Carolina car insurance rates. In Banner Elk, NC, the average commute length is 13.7 minutes.

Car Insurance Quotes for Banner Elk, NC

Shop for affordable Banner Elk, North Carolina car insurance rates today. Enter your ZIP code to compare quotes from multiple Banner Elk, NC car insurance companies.

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